No book tells you how to get ahead. This book does.

Discover how to get that first $1,000 in the bank. This book walks you through the simple journey of how to create surplus. Find out how to create surplus in time or money, if not both. The importance of creating surplus in your life is monumental - it is structural. It is the foundation for a happy and productive life. Enjoy the journey. Learn the habit of creating surplus for yourself - or for you to help develop the skill in others.

Collective Wisdom helps the modern person get back to financial basics. The book reintroduces the concept of SURPLUS. It is a simple concept that many, both young and old, seem to have forgotten about or perhaps were never introduced. If you were fortundate, you may have grouwn up in a family that ran its own business. If you did, you understand this concept implicitly. For the vast many of us, it needs to be learned. It is an essential building block for getting ahead in life.

There was a time when business math and reconciling a check book were part of the standard high school curricula. Even then, the fundamental building block for creating capital was not emphasized. Collective Wisdom shares with all the fundamentals ... and simple, easy to implement ways to create surplus every day, every week, or every month.

From getting a roomate to reduce your monthly overhead to providing strategies to reduce or eliminate creit card debt, Collective Wisdom provides novel ways for any person to attack their financial situation with confidence. Some strategies are truly unique. Check out the chapter titled Dinner Club. Other solutions may be things you have forgotten. Use the book to re-familiarize yourself or to discuss with others so that you can make them apart of your team.

Collectve Wisdom is a refreshing take on financial literacy. It teaches you how to build.